CENTENNIAL LENDING, LLC
CENTENNIAL LENDING, LLC received 359 applications in 2025 and made 83 mortgages, in 72 counties across 9 states. The median rate its borrowers got was 6.250% on a median loan of $195,000. Of 217 decisions, 134 were denials — 61.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300J3YLW53W0K4T67 |
|---|---|
| Applications received | 359 |
| Mortgages made | 83 |
| Denied | 134 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 142 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.232 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 64 | 6.188% | $200,000 | 48.0% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 83.3% |
| Cash-out refinancing | 15 | 6.250% | $175,000 | 78.6% |
Where CENTENNIAL LENDING, LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Laramie County, WY | 23 | 6.125% | 20.7% |
| Weld County, CO | 4 | Under 10 loans | 33.3% |
| Adams County, NE | 4 | Under 10 loans | 33.3% |
| Carbon County, WY | 4 | Under 10 loans | 20.0% |
| Fremont County, WY | 4 | Under 10 loans | 80.0% |
| Jefferson County, CO | 3 | Under 10 loans | 66.7% |
| Douglas County, NE | 3 | Under 10 loans | 40.0% |
| Albany County, WY | 3 | Under 10 loans | 25.0% |
| Converse County, WY | 3 | Under 10 loans | 0.0% |
| Sweetwater County, WY | 3 | Under 10 loans | 40.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 89.5% |
| Pima County, AZ | 2 | Under 10 loans | 0.0% |
| Cass County, NE | 2 | Under 10 loans | 0.0% |
| Gage County, NE | 2 | Under 10 loans | 75.0% |
| Hitchcock County, NE | 2 | Under 10 loans | 0.0% |
| Lancaster County, NE | 2 | Under 10 loans | 50.0% |
| Marion County, OR | 2 | Under 10 loans | 71.4% |
| Adams County, CO | 1 | Under 10 loans | 88.9% |
| Arapahoe County, CO | 1 | Under 10 loans | 88.9% |
| Denver County, CO | 1 | Under 10 loans | 80.0% |
| Douglas County, CO | 1 | Under 10 loans | 75.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Pueblo County, CO | 1 | Under 10 loans | 80.0% |
| Box Butte County, NE | 1 | Under 10 loans | 0.0% |
| Cheyenne County, NE | 1 | Under 10 loans | 50.0% |
| Dawes County, NE | 1 | Under 10 loans | 50.0% |
| Furnas County, NE | 1 | Under 10 loans | 0.0% |
| Morrill County, NE | 1 | Under 10 loans | 0.0% |
| Sarpy County, NE | 1 | Under 10 loans | 50.0% |
| Scotts Bluff County, NE | 1 | Under 10 loans | 50.0% |
| San Miguel County, NM | 1 | Under 10 loans | 0.0% |
| Natrona County, WY | 1 | Under 10 loans | 85.7% |
| Mohave County, AZ | 0 | Under 10 loans | 100.0% |
| Pinal County, AZ | 0 | Under 10 loans | Not published |
| Santa Clara County, CA | 0 | Under 10 loans | 100.0% |
| Boulder County, CO | 0 | Under 10 loans | 100.0% |
| Elbert County, CO | 0 | Under 10 loans | Not published |
| Fremont County, CO | 0 | Under 10 loans | 100.0% |
| Garfield County, CO | 0 | Under 10 loans | Not published |
| Grand County, CO | 0 | Under 10 loans | 100.0% |
| Larimer County, CO | 0 | Under 10 loans | 100.0% |
| Otero County, CO | 0 | Under 10 loans | 100.0% |
| Park County, CO | 0 | Under 10 loans | Not published |
| Rio Grande County, CO | 0 | Under 10 loans | Not published |
| Saguache County, CO | 0 | Under 10 loans | Not published |
| Summit County, CO | 0 | Under 10 loans | Not published |
| Teller County, CO | 0 | Under 10 loans | Not published |
| Berrien County, MI | 0 | Under 10 loans | 100.0% |
| Antelope County, NE | 0 | Under 10 loans | 100.0% |
| Clay County, NE | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.